Estimate your EPF growth, employer/employee contributions, and pension projection with Fundulator’s smart EPF calculator.
When enabled, 8.33% of employer share (max ₹1250/month) goes to EPS; rest to EPF.
💡 Add your current EPF balance and include expected salary growth for more realistic results.
⚠️ Disclaimer: Results are indicative. Please refer to EPFO notifications and official guidelines for final eligibility, interest rates, and withdrawal rules.
| Year | Age | Basic+DA (annual) | Employee (annual) | Employer →EPF | Employer →EPS | Interest | EPF Corpus | EPS Accumulated |
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Understand how your Employee Provident Fund grows and plan your retirement corpus effectively.
EPF includes a 12% employee contribution and a 12% employer contribution. If enrolled in EPS, out of the employer’s share, 8.33% (up to ₹1,250/month on ₹15,000 salary cap) goes to EPS, and the remaining portion goes to EPF.
EPF interest is calculated monthly and credited annually at a government-declared rate (currently ~8.25% p.a.), making it a stable long-term retirement instrument.
EPS provides a monthly pension after age 58, based on pensionable salary (capped at ₹15,000) and service years. Maximum pension is ₹7,500/month, with 2 bonus years added if service exceeds 20 years.
You can contribute more than 12% via VPF and earn the same EPF interest rate. However, interest on employee contributions exceeding ₹2.5 lakh per year (₹5 lakh for government employees) is taxable as per income tax rules.
Enable "Salary Growth" to see how annual increments boost your EPF corpus. Even 6% annual growth can significantly increase your retirement savings.
Track your EPF accumulation year-by-year with detailed tables showing contributions, interest earned, and corpus growth for better retirement planning.
The Employees’ Provident Fund is a government-backed retirement savings scheme for salaried employees, with contributions from both employer and employee.
The Employees’ Pension Scheme (EPS) provides a monthly pension post-retirement, EPS is funded by 8.33% of the employer’s contribution, subject to a salary cap of ₹15,000 per month.
EPF interest is calculated on a monthly running balance and credited to the account at the end of the financial year at the rate declared by EPFO.
Yes, partial withdrawals are allowed under certain conditions such as home purchase, education, or medical emergencies.
EPS Pension = (Average of last 5 years’ Basic + DA × Service Years) ÷ 70. Maximum monthly pension is ₹7,500. EPS pension is available only if service is at least 10 years. If service is less than 10 years, EPS can be withdrawn as a lump sum after 3 years from exit.
EPF is employer-linked and includes matched contributions, while PPF is voluntary with fixed interest and 15-year lock-in. EPF generally builds a larger corpus for salaried individuals.